Field Index - Field Name – Tag
(Field Index as referenced in EPC Implementation Guide) Tag Depth Content Mandatory/
Optional/
Conditional
Description Data
<?xml version=”1.0” encoding=”UTF-8”?>
<Document xmlns=”urn:iso:std:iso:20022:tech:xsd:pain.008.001.02”
xmlns:xsi=”http://www.w3.org/2001/XMLSchema-instance”>
Empty Tag Mandatory This tag must always be placed before the group header tag
<CstmrDrctDbtInitn> Empty Tag Mandatory This tag must always be placed
before the group header tag
Group Header Block – this can only occur once per file
Field Index - Field Name – Tag Tag Depth Content Mandatory/
Optional/
Conditional
Description
1.0 Group Header <GrpHdr> + Empty Tag Mandatory
1.1 Message Identification <MsgId> ++ Yes Mandatory Creditor’s unique identifier of the
submitted file/bulk
Note: This ID cannot be reused on future files
Data Type: Text Format: Max length: 35
Min length: 1
1.2 Creation Date Time <CreDtTm> ++ Yes Mandatory Date and time that the file was
created Data Type: ISODateTime
Format: YYYY-MM-DDTHH:MM:SS
Group Header Block – this can only occur once per file
Field Index - Field Name – Tag Tag Depth Content Mandatory/
Optional/
Conditional
Description
1.7 Control Sum <CtrlSum> ++ Yes Mandatory Total of all individual amounts included
in the file Data Type: Decimal Number
Format: Fraction Digits: 2 Total Digits: 18 Initiating Party Usage Rule: For Group Header BOI originators must populate Private ID field
1.8 Initiating Party <InitgPty> ++ Empty Tag Mandatory
1.8 Name <Nm> +++ Yes Optional Data Type: Text Max 70
1.8 Identification <Id> +++ Empty Tag Mandatory
1.8 Private Identification <PrvtId> ++++ Empty Tag Mandatory
1.8 Other <Othr> +++++ Empty Tag Mandatory
1.8 Identification <Id> ++++++ Yes Mandatory Populate with Creditor Scheme
Identification - SEPA equivalent of OIN Number
Data Type: Text Format: Max length: 35
Min length: 1
Payments Information (Batch) Block – this can occur multiple times within a file
Field Index - Field Name – Tag Tag Depth Content Mandatory/
Optional/
Conditional
Description
2.0 Payment Information <PmtInf> + Empty Tag Mandatory
2.1 Payment Information Identification <PmtInfId> ++ Yes Mandatory Creditor’s unique identifier of this batch of transactions within this file PLEASE NOTE – THIS MUST BE UNIQUE WITHIN THE FILE
Data Type: Text Format: Max length: 35
Min length: 1
2.2 Payment Method <PmtMtd> ++ Yes Mandatory Specifies the means of payment that
will be used to move the amount of money
Only ‘DD’ is allowed
Batch Booking Usage Rule: May be populated with true or false however payments will always be batch. Originators are permitted to omit field
2.3 Batch Booking <BtchBookg> ++ Yes Optional Payments will always be batched
regardless of what originator populates here
Data Type: Indicator Format: True, false
2.4 Number Of Transactions <NbOfTxs> ++ Yes Mandatory Populate with number of transactions
in batch Data Type: Numeric Text
Format: [0-9] {1,15}
2.5 Control Sum <CtrlSum> ++ Yes Mandatory Total of all individual amounts included
in the batch Data Type: Decimal Number
Format: Fraction Digits: 2 Total Digits: 18
2.6 Payment Type Information <PmtTpInf> ++ Empty Tag Mandatory
2.8 Service Level <SvcLvl> +++ Empty Tag Mandatory
2.9 Code <Cd> ++++ Yes Mandatory Specifies a pre-agreed service or level
of service between the parties, as published in an external service level
Only ‘SEPA’ is allowed
Payments Information (Batch) Block – this can occur multiple times within a file
Field Index - Field Name – Tag Tag Depth Content Mandatory/
Optional/
Conditional
Description
2.14 Sequence Type <SeqTp> +++ Yes Mandatory Identifies the direct debit sequence,
such as first, recurrent, final or one-off Code: FRST, RCUR, OOFF, FNAL
2.15 Category Purpose <CtgyPurp> +++ Empty Tag Optional
2.16 Code <Cd> ++++ Yes Optional This is used by the initiating party to
provide information concerning the processing of the payment – code form
Format: Max length: 4 Min length: 1 see code list in appendix
2.17 Proprietary <Prtry> ++++ Yes Optional This is used by the initiating party
to provide information concerning the processing of the payment – proprietary form
Data Type: Text Format: Max length: 35
Min length: 1
2.18 Requested Collection Date <ReqdColltnDt> ++ Yes Mandatory Date on which the creditor requests that the amount of money is to be collected from the debtor File must be submitted at least 6 days in advance of this date for first collections and at least 3 days in advance of this data for subsequent collections
Cut off times also apply
Data Type: ISODate Format: YYYY-MM-DD e.g. 1998-03-30
2.19 Creditor <Cdtr> ++ Empty Tag Mandatory
2.19 Name <Nm> +++ Yes Mandatory Name by which a creditor party is
known and which is usually used to identify that party
Data Type: Text Format: Max length: 70
Min length: 1
2.19 Postal Address <PstlAdr> +++ Empty Tag Optional
2.19 Country <Ctry> ++++ Yes Optional Country Code of creditor Format: [A-Z]{2,2}
ISO 3166, Alpha-2 code
Payments Information (Batch) Block – this can occur multiple times within a file
Field Index - Field Name – Tag Tag Depth Content Mandatory/
Optional/
Conditional
Description
2.19 Address Line (2) <Adrline> ++++ Yes Optional Creditor postal address in free format
text
Note: Two occurrences of this tag are allowed
Data Type: Text Format: Max length: 70
Min length: 1
2.20 Creditor Account <CdtrAcct> ++ Empty Tag Mandatory
2.20 Identification <Id> +++ Empty Tag Mandatory
2.20 IBAN <IBAN> ++++ Yes Mandatory International Bank Account Number
(IBAN) of the creditor to which a credit entry will be posted as a result of the payment transaction
Data Type: IBAN2007Identifier Format: [A-Z]{2,2}[0-9]{2,2}
[a-zA-Z0-9]{1,30}
2.20 Currency <Ccy> +++ Yes Optional Identification of the currency in which
the account is held
Note: No processing or validation is completed on this field – for information purpose only
Currency Code Format: [A-Z]{3,3}
Valid active or historic currency codes are registered with the ISO 4217
2.21 Creditor Agent <CdtrAgt> ++ Empty Tag Mandatory
2.21 Financial Institution Identification <FinInstnId> +++ Empty Tag Mandatory
2.21 BIC <BIC> ++++ Yes Mandatory Bank Identifier Code of the creditor Data Type: BIC Identifier
Format: [A-Z]{6,6}[A-Z2-9]
[A-NP-Z0-9]([A-Z0-9]{3,3}){0,1}.
THIS MUST BE EITHER BOFIIE2D or BOFIIE2DXXX
Ultimate Creditor Usage Rule – Ultimate Creditor is an optional field, if used the Name and Identification can be populated at either batch or transaction level
Payments Information (Batch) Block – this can occur multiple times within a file
Field Index - Field Name – Tag Tag Depth Content Mandatory/
Optional/
Conditional
Description
Identification Usage Rule – Either Organisation Identification or Private Identification to be populated
2.23 Identification <Id> +++ Empty Tag Optional
Organisation Identification Usage Rule: Either ‘BIC or BEI’ or one occurrence of ‘Other’ is allowed.
2.23 Organisation Identification <OrgId> ++++ Empty Tag Optional
2.23 BICOrBEI <BICOrBEI> +++++ Yes Optional BIC Identifier Data Type: Any BIC Identifier
Format: [A-Z]{6,6}[A-Z2-9]
[A-NP-Z0-9]([A-Z0-9]{3,3}){0,1}
2.23 Other <Othr> +++++ Empty Tag Optional
2.23 Identification <Id> ++++++ Yes Optional Identification assigned by an
institution Data Type: Text
Format: Max length: 35 Min length: 1
2.23 Scheme Name <SchmeNm> ++++++ No Optional
2.23 Code <Cd> +++++++ Yes Optional Name of the identification scheme,
in a coded form as published in an external list
Data Type: ExternalOrganisation Identification1Code
Format: Max Length: 4 Min length: 1
2.23 Proprietary <Prtry> +++++++ Yes Optional Name of the identification scheme, in
a free text form Data Type: Text
Format: Max length: 35 Min length: 1
2.23 Issuer <Issr> ++++++ Yes Optional Entity that assigns the identification Data Type: Text
Format: Max length: 35 Min length: 1 Private Identification Usage Rule: Either ‘Date and Place of Birth’ or one occurrence of ‘Other’ is allowed
2.23 Private Identification <PrvtId> ++++ Empty Tag Optional
Payments Information (Batch) Block – this can occur multiple times within a file
Field Index - Field Name – Tag Tag Depth Content Mandatory/
Optional/
Conditional
Description
2.23 Date And Place Of Birth <DtAndPlcOfBirth> +++++ Empty Tag Optional
2.23 Birth Date <BirthDt> ++++++ Yes Optional Date on which a person is born Data Type: ISODate
Format: YYYY-MM-DD e.g. 1998-03-30
2.23 Province Of Birth <PrvcOfBirth> ++++++ Yes Optional Province where a person was born Data Type: Text
Format: Max length: 35 Min length: 1
2.23 City Of Birth <CityOfBirth> ++++++ Yes Optional City where a person was born Data Type: Text
Format: Max length: 35 Min length: 1
2.23 Country Of Birth <CtryOfBirth> ++++++ Yes Optional Country where a person was born Data Type: Country Code
Format: [A-Z]{2,2}
2.23 Other <Othr> +++++ Empty Tag Optional
2.23 Identification <Id> ++++++ Yes Optional Identification assigned by an
institution Data Type: Text
Format: Max length: 35 Min length: 1
2.23 Scheme Name <SchmeNm> ++++++ No Optional
2.23 Code <Cd> +++++++ Yes Optional Name of the identification scheme,
in a coded form as published in an external list
Data Type: ExternalPersonal Identification1Code
Format: Max length: 4 Min length: 1
Payments Information (Batch) Block – this can occur multiple times within a file
Field Index - Field Name – Tag Tag Depth Content Mandatory/
Optional/
Conditional
Description
2.23 Issuer <Issr> ++++++ Yes Optional Entity that assigns the identification Data Type: Text
Format: Max length: 35 Min length: 1 Charge Bearer Usage Rule: Charge Bearer is optional and may be populated at payment information or transaction level. BOI recommend to populate at payment information level
2.24 Charge Bearer <ChrgBr> ++ Yes Optional Specifies which party/parties will
bear the charges associated with the processing of the payment transaction
Only ‘SLEV’ is allowed
Creditor Scheme Identification Usage Rule: CID must be populated at either payment information or transaction level. BOI recommend to populate at payment information level 2.27 Creditor Scheme Identification <CdtrSchmeId> ++ Empty Tag Advise to populate at
Payment information (batch) level
2.27 Identification <Id> +++ Empty Tag Advise to populate at
pymt info (batch) level 2.27 Private Identification <PrvtId> ++++ Empty Tag Advise to populate at pymt info (batch) level
2.27 Other <Othr> +++++ Empty Tag Advise to populate at
pymt info (batch) level
2.27 Identification <Id> ++++++ Yes Advise to populate at
pymt info (batch) level This contains the Creditor Scheme
identifier (CID) - formerly OIN Data: Text
Format: Max length: 35 Min length: 1
2.27 Scheme Name <SchmeNm> ++++++ Empty Tag Advise to populate at
pymt info (batch) level
2.27 Proprietary <Prtry> +++++++ Yes Advise to populate at
pymt info (batch) level Name of the identification scheme, in
a free text form Must contain ‘SEPA’
Transaction Information Block – this can occur multiple times within a Payment Information Block
Field Index - Field Name – Tag Tag Depth Content Mandatory/
Optional/
Conditional
Description
2.28 Direct Debit Transaction Information <DrctDbtTxInf> ++ Empty Tag Mandatory
2.29 Payment Identification <PmtId> +++ Empty Tag Mandatory
2.30 Payment Identification/Instruction Identification <InstrId> ++++ Yes Optional Secondary identification that the creditor may place on the payment Note: Many creditors will choose not to use this field unless there is a business reason to do so
Data Type: Text Format: Max length: 35
Min length: 1
2.31 Payment Identification/End to End Identification
<EndToEndId> ++++ Yes Mandatory Creditor’s unique reference on the
transaction – THIS MUST BE UNIQUE WITHIN THE BATCH
Data Type: Text Format: Max length: 35
Min length: 1
2.44 Instructed Amount <InstdAmt> +++ Yes Mandatory Amount of money to be moved
between the debtor and creditor Usage Rule: Only ‘EUR’ is allowed.
Usage Rule: Amount must be 0.01 or more and 999999999.99 or less.
Format Rule: The fractional part has a maximum of two digits.
e.g. <InstdAmt
Ccy=”EUR”>3421.00</InstdAmt>
Charge Bearer Usage Rule: Charge Bearer is optional and may be populated at payment information or transaction level. BOI recommend to populate at payment information level
2.45 Charge Bearer <ChrgBr> +++ Yes Advise to populate
at pymt info level Specifies which party/parties will bear the charges associated with the processing of the payment transaction
Only ‘SLEV’ is allowed
2.46 Direct Debit Transaction <DrctDbtTx> +++ Empty Tag Mandatory
Transaction Information Block – this can occur multiple times within a Payment Information Block
Field Index - Field Name – Tag Tag Depth Content Mandatory/
Optional/
Conditional
Description
2.49 Date of Signature <DtOfSgntr> +++++ Yes Mandatory Date on which the direct debit
mandate has been signed by the debtor
Data Type: ISODate Format: YYYY-MM-DD e.g. 1998-03-30 Amendment Indicator Usage Rule: Amendment indicator must be set to true when an amendment has been made and the relevant details added to the amended field
2.50 Amendment Indicator <AmdmntInd> +++++ Yes Optional Indicator notifying whether the
underlying mandate is amended or not
true when an amendment has been made
;otherwise do not put this tag in the file
2.51 Amendment Information Details <AmdmntInfDtls> +++++ Empty Tag Conditional
2.52 Original Mandate Identification <OrgnlMndtId> ++++++ Yes Conditional Previous UMR is included here if an amendment has been made to the UMR (see2.48)
Data Type: Text Format: Max length: 35
Min length: 1 2.53 Original Creditor Scheme ID <OrgnlCdtrSchmeId> ++++++ Empty Tag Conditional
2.53 Name <Nm> +++++++ Yes Conditional Previous creditor name. If present the
new ‘Name’ must be specified under Creditor – 2.19
Data Type: Text Format: Max length: 70
Min length: 1
2.53 Identification <Id> +++++++ Empty Tag Conditional
2.53 Private Identification <PrvtId> +++++++
+ Empty Tag Conditional
2.53 Other <Othr> +++++++
++ Empty Tag Conditional
2.53 Identification <Id> +++++++
+++ Yes Conditional Previous creditor scheme
identification Data Type: Text
Format: Max length: 35 Min length: 1
Transaction Information Block – this can occur multiple times within a Payment Information Block
Field Index - Field Name – Tag Tag Depth Content Mandatory/
Optional/
Conditional
Description
2.53 Scheme Name <SchmeNm> +++++++
+++ Empty Tag Conditional
2.53 Proprietary <Prtry> +++++++
++++ Yes Conditional Name of the identification scheme, in
a free text form Must contain SEPA
2.57 Original Debtor Account <OrgnlDbtrAcct> ++++++ Empty Tag Conditional
2.57 Identification <Id> +++++++ Empty Tag Conditional
2.57 IBAN <IBAN> +++++++
+ Yes Conditional Original debtor account that has been
modified
Used only if debtor still with same bank but using a different account on the mandate
Data Type: IBAN2007Identifier Format: [A-Z]{2,2}[0-9]{2,2}
[a-zA-Z0-9]{1,30}
Original Debtor Agent Usage Rule: To be used with the ‘FRST’ indicator in the ‘Sequence Type’ Field Index 2.14 in the Payment Information Block 2.58 Original Debtor Agent <OrgnlDbtrAgt> ++++++ Empty Tag Conditional
2.58 Financial Institution Identification <FinInstnId> +++++++ Empty Tag Conditional
2.58 Other <Othr> +++++++
+ Empty Tag Conditional
2.58 Identification <Id> +++++++
++ Yes Conditional Must be populated with ‘SMNDA’
to indicate same mandate with new debtor agent
Note: To be used with the ‘FRST’
indicator in the ‘Sequence Type’ Field Index 2.14
SMNDA
Transaction Information Block – this can occur multiple times within a Payment Information Block
Field Index - Field Name – Tag Tag Depth Content Mandatory/
Optional/
Conditional
Description
Creditor Scheme Identification Usage Rule: CID must be populated at either payment information or transaction level. BOI recommend to populate at payment information level 2.66 Creditor Scheme Identification <CdtrSchmeId> ++++ Empty Tag Advise to populate
at pymt info level
2.66 Identification <Id> +++++ Empty Tag Advise to populate
at pymt info level 2.66 Private Identification <PrvtId> ++++++ Empty Tag Advise to populate
at pymt info level
2.66 Other <Othr> +++++++ Empty Tag Advise to populate
at pymt info level
2.66 Identification <Id> +++++++
+ Yes Advise to populate
at pymt info level This contains the Creditor Scheme
identifier (CID) - formerly OIN Data: Text
Format: Max length: 35 Min length: 1
2.66 Scheme Name <SchmeNm> +++++++
+ Empty Tag Advise to populate
at pymt info level
2.66 Proprietary <Prtry> +++++++
++ Yes Advise to populate
at pymt info level Name of the identification scheme, in
a free text form Must contain ‘SEPA’
Ultimate Creditor Usage Rule – Ultimate Creditor is optional, if used Name and Identification can be populated at batch or transaction level
2.69 Ultimate Creditor <UltmtCdtr> +++ Empty Tag Optional
2.69 Name <Nm> ++++ Yes Optional Ultimate party to which an amount of
money is due Data Type: Text
Format: Max length: 70 Min length: 1 Identification Usage Rule – Either Organisation Identification or Private Identification to be populated
2.69 Identification <Id> ++++ Empty Tag Optional
Transaction Information Block – this can occur multiple times within a Payment Information Block
Field Index - Field Name – Tag Tag Depth Content Mandatory/
Optional/
Conditional
Description
Organisation Identification Usage Rule: Either ‘BIC or BEI’ or one occurrence of ‘Other’ is allowed.
2.69 Organisation Identification <OrgId> +++++ Empty Tag Optional
2.69 BICOrBEI <BICOrBEI> ++++++ Yes Optional BIC Identifier Data Type: Any BIC Identifier
Format: [A-Z]{6,6}[A-Z2-9]
[A-NP-Z0-9]([A-Z0-9]{3,3}){0,1}
2.69 Other <Othr> ++++++ Empty Tag Optional
2.69 Identification <Id> +++++++ Yes Optional Identification assigned by an
institution Data Type: Text
Format: Max length: 35 Min length: 1
2.69 Scheme Name <SchmeNm> +++++++ No Optional
2.69 Code <Cd> +++++++
+ Yes Optional Name of the identification scheme,
in a coded form as published in an external list
Data Type: ExternalOrganisation Identification1Code
Format: Max Length: 4 Min length: 1
2.69 Proprietary <Prtry> +++++++
+ Yes Optional Name of the identification scheme, in
a free text form Data Type: Text
Format: Max length: 35 Min length: 1
2.69 Issuer <Issr> +++++++ Yes Optional Entity that assigns the identification Data Type: Text
Format: Max length: 35 Min length: 1 Private Identification Usage Rule: Either ‘Date and Place of Birth’ or one occurrence of ‘Other’ is allowed
Transaction Information Block – this can occur multiple times within a Payment Information Block
Field Index - Field Name – Tag Tag Depth Content Mandatory/
Optional/
Conditional
Description
2.69 Birth Date <BirthDt> +++++++ Yes Optional Date on which a person is born Data Type: ISODate
Format: YYYY-MM-DD e.g. 1998-03-30
2.69 Province Of Birth <PrvcOfBirth> +++++++ Yes Optional Province where a person was born Data Type: Text
Format: Max length: 35 Min length: 1
2.69 City Of Birth <CityOfBirth> +++++++ Yes Optional City where a person was born Data Type: Text
Format: Max length: 35 Min length: 1
2.69 Country Of Birth <CtryOfBirth> +++++++ Yes Optional Country where a person was born Data Type: Country Code
Format: [A-Z]{2,2}
2.69 Other <Othr> ++++++ Empty Tag Optional
2.69 Identification <Id> +++++++ Yes Optional Identification assigned by an
institution Data Type: Text
Format: Max length: 35 Min length: 1
2.69 Scheme Name <SchmeNm> +++++++ No Optional
2.69 Code <Cd> +++++++
+ Yes Optional Name of the identification scheme,
in a coded form as published in an external list
Data Type: ExternalPersonal Identification1Code
Format: Max length: 4 Min length: 1
2.69 Proprietary <Prtry> +++++++
+ Yes Optional Name of the identification scheme, in
a free text form Data Type: Text
Format: Max length: 35 Min length: 1
2.69 Issuer <Issr> +++++++ Yes Optional Entity that assigns the identification Data Type: Text
Format: Max length: 35 Min length: 1
Transaction Information Block – this can occur multiple times within a Payment Information Block
Field Index - Field Name – Tag Tag Depth Content Mandatory/
Optional/
Conditional
Description
2.70 Debtor Agent <DbtrAgt> +++ Empty Tag Mandatory
2.70 Financial Institution Identification <FinInstnId> ++++ Empty Tag Mandatory
2.70 BIC <BIC> +++++ Yes Mandatory Bank Identifier Code Data Type: BIC Identifier
Format: [A-Z]{6,6}[A-Z2-9]
[A-NP-Z0-9]([A-Z0-9]{3,3}){0,1}
2.72 Debtor <Dbtr> +++ Empty Tag Mandatory
2.72 Name <Nm> ++++ Yes Mandatory Debtor name Data Type: Max70Text
Format: Max length: 70 Min length: 1
2.72 Postal Address <PstlAdr> ++++ Empty Tag Optional
2.72 Country <Ctry> +++++ Yes Optional Country code Data Type: Country Code
Format: [A-Z]{2,2}
SO 3166, Alpha-2 code
2.72 Address Line (2) <AdrLine> +++++ Yes Optional Debtor address in free format text.
Note: Two occurrences of this tag are allowed
Data Type: Text Format: Max length: 70
Min length: 1 Identification Usage Rule – Optional field, if used Either Organisation Identification or Private Identification to be populated
Min length: 1 Identification Usage Rule – Optional field, if used Either Organisation Identification or Private Identification to be populated